StockLoyal converts dormant loyalty points into funded investment accounts — embedded directly inside your existing platform. White-label. Compliance-ready. Live in weeks.
Trusted infrastructure
Points expire, redemption options are limited to travel and cashback. There is no path from daily spending to long-term wealth — even though the infrastructure to do it exists today.
Reward programs are commoditized. Unredeemed points sit as balance sheet liability. Differentiation is disappearing and cardholder engagement is declining year over year.
StockLoyal sits between the rewards ecosystem and the broker-dealer — converting points into funded accounts through a compliant, automated pipeline.
Member's loyalty balance is reserved and converted to cash-equivalent value via the merchant's existing redemption infrastructure.
Our orchestration engine allocates funds, manages the order lifecycle, and coordinates the ACH payment to the broker-dealer.
Cash is journaled into the member's individual brokerage account. KYC/AML enforced. StockLoyal never holds customer funds.
Buy orders execute at market open. Confirmations return via webhook. Member sees their growing portfolio — all inside your existing app.
StockLoyal creates measurable value whether you're a card issuer looking to activate dormant loyalty value, or a broker-dealer seeking new funded account flow.
Unredeemed points sitting on your balance sheet convert into invested assets — reducing liability while delivering real member value.
Members who invest through your program spend more, churn less, and have measurably higher lifetime value than standard cardholders.
Fully branded to your platform. Members never leave your app. StockLoyal is invisible infrastructure powering a visible differentiator.
Integration via API and webhook. Go live in weeks, not quarters. No broker-dealer license required on your end — we handle the regulated infrastructure.
Participate in the transaction revenue generated by your members' investment activity. New income stream on top of existing loyalty economics.
Investment-linked loyalty is a category-defining move. Be the first issuer in your market to offer cardholders a path from spending to wealth.
StockLoyal delivers pre-KYC'd, funded brokerage accounts from loyalty ecosystems — a source of new assets you can't reach through traditional BD channels.
Monthly sweep cycles create predictable, recurring inflows into member accounts — not one-time onboarding events, but ongoing funded investment behavior.
IB model means your existing framework stays intact. StockLoyal operates as a link between merchants and brokers; you provide account infrastructure, KYC/CIP, and FINRA supervision.
Add a loyalty-linked investment channel to your product suite — attractive to issuer and merchant partners looking for a differentiated BD relationship.
Full Broker API integration already built. Journal transfers, order execution, webhook confirmations, and KYC flows are production-tested and ready.
Shared economics on platform fees and transaction revenue. Long-term participation in AUM growth as the member base and asset balances scale.
The full pipeline from points reservation to trade execution is live, tested, and ready for a merchant pilot. Integration is weeks, not months.
Prepare → Sweep → Journal → Execute → Confirm. Admin-controlled with cycle locking and full audit trail.
Member account creation, KYC enforcement, journal transfers, trade order placement, and webhook fill confirmations.
Bank-linked merchant funding via Plaid Transfer API. Dual-mode support: Plaid or legacy ACH CSV for existing partners.
Payments, journals, sweep management, broker execution, KYC data entry, fee management, and order review — all in one dashboard.
Market Calendar and Clock APIs integrated. Orders queued and executed around market hours automatically — no manual intervention.
Member eligibility gating, onboarding status enforcement, tax ID collection, and SSN handling with masked display.
React PWA on Amplify/CloudFront. PHP API on EC2. MySQL on RDS. Multi-subdomain architecture with environment separation.
Portfolio view, transaction ledger, stock picker, wallet, investment frequency controls — all embeddable within your existing app.
The initial pilot proves structure, user behavior, and partner economics before full deployment. One integration sprint. Clear metrics. Clean exit if it doesn't work.
Single BD partner providing account infrastructure, KYC/CIP, and FINRA supervision. Clean compliance boundary from day one.
Single controlled conversion mechanism. Points reservation → ACH funding → journal → order execution. No edge cases in pilot scope.
1,000–10,000 eligible cardholders. Pre-screened for tier eligibility. Controlled volume for clean data collection and analysis.
StockLoyal is seeking alignment around a structured path to pilot. The platform is built. The compliance framework is defined. What remains is the right partner conversation.
Tell us a little about your organization and what you're exploring.
Jeff will be in touch within one business day.
We look forward to the conversation.